MassAutoQuote COVID-19

Governor Baker mandated that all non-essential businesses in Massachusetts shut down. Insurance agencies are considered essential services, so we are staying open.

During this unprecedented crisis, our Agency is working remotely, responding to e-mails and faxes and answering our phones.

MassAutoQuote is closed to walk-in service.

This is to protect our clients, as well as ourselves from the spread of this hideous virus.

If you need us: we’re here for you. Give us a call or send us an e-mail.

Most of all however, let’s take care of one another and stay healthy.


Your Friends at MassAutoQuote.

Read the documents:

Simple Massachusetts Auto Insurance

Simple Massachusetts Auto Insurance

Simple, Massachusetts Auto Insurance.

We’ve been writing auto insurance in Massachusetts, and only Massachusetts, for over 25 years.

We’ve seen companies come and go and prices go up and down and, typically, up again.

For 25 years we’ve grown our independent insurance agency, client by client.

Saving them money and improving their coverage.

It hasn’t always been easy.

State set auto rates made differentiating ourselves difficult. Besides shiny teeth we had to offer extraordinary service including claims, billing and Registry of Motor Vehicles running service.

When competitive rating opened up in 2008, with more companies than ever, our Agency was ready.

We packaged, shopped for discounts, rated with 7 auto carriers and found clients the best available rates.

We also never compromised our service.

Call, click or stop by.

You’ll be glad you did.

Twenty Five years of insurance

25 years of insurance

Over Twenty Five years of insurance, in Massachusetts no less, has taught me something.

I’m sure of it.

I’ll just have to let you know when I figure it out.

For over Twenty Five years we’ve built our independent insurance Agency. At the time, yes in my lifetime, we figured out rates by looking at the rating manual.

It sometimes took hours to figure out an auto or home insurance rate.

Then, of course, the fancy computers and multi-monitors took over.

Usernames and passwords.

Click this, click that, go to this site, go to that site, cut & paste, hit enter then: Presto!


For a while, believe it or not, our humble site, was the number one site on the internet for: “MA Auto Insurance” and “Massachusetts Auto Insurance.”

We got so many quote requests, frankly, we couldn’t keep up.

We had 3 full-time Agents raking through prospects, quoting and writing auto insurance like never before.

Then, in 2008, Massachusetts insurance deregulation happened, the National insurers moved into the state, as did millions and millions of dollars in page 1, guaranteeing web experts and web site departments.

MassAutoQuote saw our Page 1 listings diminish and our quote requests thin. Still, our independent insurance agency has thrived.

We’ve expanded our markets and have grown our Agency into a well-rounded, customer-service driven, quoting and rating insurance machine.

Our companies love us because of our low loss ratios and our clients love of us because of our rates and service.

So, after 25 years of insurance, I guess I’ve learned: you should get a quote from us.

You’ll be happy you did.

Shopping for Massachusetts Auto Insurance

shopping for Massachusetts Auto Insurance
Massachusetts Auto Insurance Guide
Understand all your options before purchasing auto insurance. According to you should follow these basic guidelines as you begin shopping for Massachusetts auto insurance.
Do some research

Talk to friends, neighbors, and co-workers about their experiences with various insurance companies. In addition, you can find out how many complaints organizations such as the Better Business Bureau and National Association of Insurance Commissioners have received about each insurer.

Obtain a number of quotes

Find out what prices and discounts your current insurance company is offering, but get actual quotes from as many other insurance companies as you can. While this may be time-consuming, it is often the only way to find out what prices, coverages, and benefits are actually available to you. You can obtain quotes directly from insurance companies that do not use agents by calling or visiting their websites. Other insurance companies only provide quotes through their agents.

In order to find an agent that represents the insurance company that you want a quote from, call the insurance company or visit its website. You can also search for agents by insurance company using the “Detailed Agent Search” feature of the Division of Insurance’s Agent Finder website.

You should be aware that although some agents can get quotes from many insurance companies, others can only get quotes from one or two insurance companies. For this reason, it is often a good idea to shop with more than one insurance agent.

Get quotes in writing

Make sure that any quote you receive includes a “coverage selections page” that shows the coverages, limits, and deductibles that you want. Read the coverage selections page carefully to ensure that everything is as you requested and that all information is correct. Immediately point out any mistakes to the insurance agent and/or insurance company and ask for written confirmation of any changes.

Compare quotes

When comparing quotes, keep in mind that coverages, limits, deductibles, and discounts can have big effects on prices. A small difference in even one of these areas can make a bad quote look like a good one. Be aware that different insurers may not offer exactly the same overall benefits. This can make it somewhat difficult to compare quotes.

Ask about discounts and benefits

If you do not ask about discounts and benefits, you might not get them. Make sure that you understand how the discounts you are eligible to receive from each insurer will affect your premium, and whether those discounts are reflected in your quote.

Massachusetts Auto Insurance Plan (MAIP)

As of April 1, 2009, insurance companies are no longer required to voluntarily offer insurance to Massachusetts drivers. Keep in mind, however, that even if one insurance company does not want to insure you, another company still might offer you coverage, so make sure to explore your options.

After one insurance company has refused to insure you, you become eligible to apply for coverage through the Massachusetts Auto Insurance Plan, also known as the MAIP. In order to get coverage from the MAIP, you will have to go through an insurance agent. That insurance agent will have you fill out an application for the MAIP. The MAIP then will randomly assign you to an insurance company. The price you receive from the MAIP may or may not be higher than a price you could have received if you had continued to shop around.

Don’t Let Your MA Inspection Sticker Lapse

Don't Let Your MA Inspection Sticker Lapse

The cruelest of all surcharge points, from a Massachusetts auto insurance perspective, is the one for an ”expired inspection sticker” citation. Don’t let your MA inspection sticker lapse.

In Massachusetts, a ticket for an expired vehicle inspection sticker is the equivalent, in auto insurance citation points, of a moving violation.

According to the MA Division of Insurance, surcharge points are incurred if you:

  • cause an at-fault accident
  • are convicted of or pay a fine for a traffic law violation
  • are assigned to an alcohol education program

An expired inspection sticker is considered “pay(ing) a fine for a traffic law violation.”

A $40 ticket results increased insurance costs for 6 years! If you have/ had a perfect driving record, that can amount to about a 20% increase (!!) the first three years, diminishing the following three.

So here’s your warning:
  • Check your windshield and Don’t let  your MA inspection sticker lapse!

MA Inspection Station locator link: Click Here.

What to do if you get in an Auto Accident

What to do if you get in an auto accident

Getting in an auto accident is a very scary thing. We have some suggestions on what to do if you get in an auto accident.

What to Do if you get in an Auto Accident:

  • Stop.
  • Be Courteous.
  • Stay Calm.
  • Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
  • If there is significant damage to any of the vehicles or any potential injuries call 9-1-1 immediately.
  • Get the names of the owners and drivers involved.
  • Get license numbers, telephone numbers, and registration numbers.
  • Get the names, addresses, and telephone numbers of witnesses.
  • Express no opinion as to who was at fault.
  • Give no information except for as required by the authorities.
  • Do not sign any statements unless required by authorities.
  • For prompt claims call your Massachusetts Insurance Agent.
  • If you don’t have a Massachusetts Agent: good luck and call us for a quote on your renewal!

For more information about MassAutoQuote’s services (we do it all), please give us a call or a click!

Additional safe driving article:

MassAutoQuote is Massachusetts Auto Insurance

MassAutoQuote is Massachusetts Auto Insurance

MassAutoQuote is Massachusetts Auto Insurance.

We’ve been quoting auto insurance online in Massachusetts, and only Massachusetts, since 1999. Not even Geico can say that.

MassAutoQuote is consumer-friendly. We offer 4 convenient ways to get a Massachusetts auto insurance quote:

  1. Real-Time Quote – Spend a few minutes and get sample, real-time quotes from A rated carries.
  2. Easy Quote – Click and attach a copy of your auto insuranc Coverage Page and let our insurance professionals find you the best rates.
  3. Quick Quote – Enter only basic information and let us show yo different coverage and premium options.
  4. Give us a click, call, fax or stop by!
Utilize the power of your independent insurance Agent!

By using MassAutoQuote you’re using the power of the Massachusetts, independent insurance Agent. We shop auto insurance with numerous, top-rated companies. We find the best discount programs and coverage. We’ll make recommendations and offer you the best premiums. We’ll save you money and improve your coverage. MassAutoQuote is Massachusetts auto insurance.

Buy your auto insurance from a Massachusetts, Independent Insurance Agent!

Some people think it doesn’t matter where you buy your insurance, but it does. Rather than if you go direct, you have a third party to help you at claim, billing or insurance shopping time. When you buy your auto insurance from a MA Agent, we work hard to keep your business. In addition, it helps keep the local economy strong and keeps jobs here in Massachusetts.

MassAutoQuote is Massachusetts Auto Insurance.

We write auto insurance in Massachusetts … and only Massachusetts.

Click, call, fax or stop by!, phone 781-246-8699, fax 781-224-0546, MassAutoQuote powered by Johnson & Rohan Insurance, 50 Salem Street, Lynnfield, MA 01940

MassAutoQuote: Save Benjamins


The job of the Massachusetts Independent Insurance Agent is to get the best rates and coverage for clients.

The Independent Insurance Agent shops coverage with numerous companies and takes advantage of available discount programs.

The Independent Insurance Agent will advise and advocate.

The Independent Agent will save you Benjamins.


Simple. Massachusetts. Auto Insurance.

Simple Massachusetts Insurance

At MassQuotes we make Massachusetts Auto Insurance Simple.

Really simple.

3 Ways to Get Your Auto Quote:

  • Give us a call!
  • Fill out our online quote request.
  • E-mail or fax us a copy of your Auto Coverage Page.

MassQuotes will rate your insurance with, at least, seven different companies. We utilize Professional, Independent Insurance Agents that will assist you in finding the best rates, the best insurance programs, with the best insurance companies that do business in Massachusetts.

Massachusetts Operator Report

MA Auto Accident Driving Record Program

When Must a Massachusetts Crash Report be filed?

MGL Chapter 90, Section 26 requires a person who was operating a motor vehicle involved in a crash in which (i) any person was killed or (ii) injured or (iii) in which there was damage in excess of $1,000 to any one vehicle or other property, to complete and file a Crash Operator Report with the Registrar within five (5) days after such crash (unless the person is physically incapable of doing so due to incapacity). The person completing the report must also send a copy of the report to the police department having jurisdiction on the way where the crash occurred. If the operator is incapacitated but is not the vehicles’s owner, the owner is required to file the crash report within the five (5) days based on his/her knowledge and information obtained about the crash. The Registrar may require the owner or operator to supplement the report and he/she can revoke or suspend the license of any person violationg any provision of this legal requirement. A police department is required to accept a report filed by an owner or operator whose vehicle has been damaged in a acrash in which another person unlawfully left the scene even if damage to the vehicle does not exceed $1,000.

You can print a copy here:

Once you have completed report send copies to:

  1. local or state police department in the city or town where crash occurred
  2. your independent, MA insurance agent or insurance company
  3. a copy to the RMV, Crash Records, PO Box 55889, Boston, MA 02205-5889

Where is the best place to find Massachusetts auto insurance?

We recommend getting a quote right here at and utilize the power of the Massachusetts Independent Agent!

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